26 Feb 2015

A question about : Ask a CCCS counsellor a bankruptcy question

The CCCS has re-branded to StepChange Debt Charity and we've started a new discussion thread here

The Consumer Credit Counselling Service (CCCS) has several counsellors answering questions in our forum. There are three ways to contact them:

1 - To ask them a question please post it below and Pavan or Mat will post a reply here.

2 - If you would prefer to ask a question in private you can send a private message to CCCS Private Messages and one of the counsellors will get back to you.

3 - CCCS's Debt Remedy is a free and confidential online tool allowing you to work though a budget plan and if you get stuck you can chat to a counsellor anonymously as you do.

Best answers:

  • Please can someone advise me - I opened a basic bank account as entered an iva - a Co-Op Cashminder Account. I've since been unwell with depression and they tell me I went overdrawn by Ј1.61 and now the account will be closed, I don't know what to do as surely I will not get a bank account in my situation will I?
  • You can try for a Barclays Cash Card account - I have one and I am an undischarged bankrupt. Bear in mind that you may well not be allowed the online banking though, even though they will give it to you to start with and say it comes with the account (mine was disabled a few weeks afterwards with no warning at all).
    Cheers
    S
  • Thank you so much for your quick reply. I have not as yet received the Co-Ops' closure letter but would Barclays not decline me as I got chcucked out of Co Op? Also one of the people I owed a lot to was Barclays with the iva - does this still reject me?
  • i seem to read contridicting info regarding benefits can you enlighten me please
    is a war pension and incapacity classed as benefits in calculating a IPA
    Thank you paul
  • While waiting for a CCCS review of my financial situation I have stopped paying my creditors, the amount paid was under an informal arrangement as agreed with CCCS prior to repossession of house and setting up of formal DMP. I have stopped paying as I can't afford to any more and will be discussing BR with the CCCS, am I ok to phone my creditors and simply say my case is under review as my situation has changed? I'm starting to get debt collector letters again (only missed one payment on one bill!).
    Thanks
  • thank you for reply
  • I have been declared bankrupt and am still waiting on OR to call me. I have opened a new bank account with Barclays fully explaining my situation. I noticed today when I went in to check bank accounts online that they have just added my new account to the existing login details for internet banking. How will this affect everything. When OR gets in touch will they then shut down all accounts as they have appeared to link my new one to the old ones, will they take loan payment out of new account even though am bankrupt and loan is on bankruptcy. My salary is due to go in to new account on friday and now am a bit concerned i will get frozen out of my account and wont be able to pay rent and bills and groceries. I was limited to who i could open an account with as every other bank in my town said NO.
    I wish OR would hurry up and call then I could ask them.
  • Both myself and my partner have received our bankruptcy notice today.
    It states that the Accountant in Bankruptcy will inform all our creditors..are we required to send our creditors a copy of the declaration?
    Also a query about one of our creditors our bank of 20yrs (RBS) our joint current account is now sitting overdrawn by about Ј700(usual Ј500 overdraft plus recent charges)... will they close the account? we don't use it anymore...it's just that there is another account held with them soley in my name which I need to remain in use for Direct Payments for our disabled child I cannot move the account anywhere else as the account is required to be a cheque account, it pays for services and respite for our son paid by our local authority will it be safe?
    thanks in advance for your advice..
    Izzy
  • hi i hope i am posting this in the right place, apologies if i have done it wrong. i am after some help regarding going bancrupt.
    Last year i started my own business, it is a ltd company and i am employed by the company as a director with no other staff, firstly does this still mean i am self employed ?
    i have got into a large amount of debt (16k) , mainly personal for living expenses since giving up my job to start this company and a small amount of business debt (under 5k). I have looked at the DRO and dont feel i apply due to owing over 15k, which therefore only leaves bancruptcy otherwise it will take me more than 30yrs to clear with min payments. my business is small and only brings in a small amount of money i can hardly get through the month without paying any creditors.
    i live in my boyfriends house and my only asset would be my car so feel BR is the best option.
    My main concern though is what will happen to my business, obvioulsy i can not be a director, can i change the ltd co to a sole trader or can i still not be a sole trader. Although it does not make massive amounts it is a small income which helps with all the other bills so still need to keep this going, do i have anyway to do this.
    Lastly as i am going to have to not pay creditors and save the money to pay the fees can i contact my creditors and tell them this as they are on my back all the time ?!?
    Any help would be appreciated.
    thanks
  • The account i have opened is psot bankruptcy, and had to have it in my own name as housing benefit and child benefit will not pay into an account not in my name. New account was opened after telling Barclays I had been declared bankrupt and if that gets frozen too I have no access to my salary or tax credits etc and so will have no access to any money at all.
    Is it normal to not hear from OR as still not heard anything at all.
  • Have you any idea what can be included in ' normal living expenses' for a DRO as trying to find out if this is the best way to go but can't afford to loose the Ј90 fee if rejected because they feel I have more than Ј50 spare each month.
    Many thanks
  • Hi, I have my court appearance on 12 May.
    Assuming it's straightforward, how long will it be before the OR contacts me.
    Secondly how long before my creditors will be notified from the date of the Bankruptcy, ie 12 May?
    Your help appreciated.
  • Can somebody help me please. I'm going out of my mind with worry.
    I've received a letter from ASH Process servers saying they are going to attend my old address today PM. My husband still lives there and he's worried sick about what to do. They have said they are going to serve me with a Bankruptcy Petition for a hearing on 5th May (this seems very quick to me).
    My husband and I split up about 3 months ago and I moved out of the marital home to ease the strain (along with my 2 children). We have been trying to work through our problems and were just starting to get somewhere when this latest bombshell dropped on us. We don't know if the house still has my name on the mortgage (we asked for it to be removed but never had any letter through to say it had been) and it's an added stress to a marriage that I now feel is doomed to fail.
    I don't know what to do. I'm scared out of my wits and don't think I can cope with anymore stress. I don't have a job, can't find a job and so therefore can't offer to pay anything. I have no clue what they are going to do or how they are going to go about it.
    Somebody please help me.
  • we are seriously considering bankruptcy, however we are struggling to choose an adviser do you have any advice?
Категория: